In states where it's allowed, most companies collect information from consumer reporting agencies about your driving record, claims experience and credit history in order to offer you a rate that matches your experience. The companies we work with don't look at your credit score, but they do calculate an insurance score based on payment and credit history. Research shows that drivers with better insurance scores have fewer losses, so their rates are lower. But, this is only one of more than 50 variables that are considered by companies when offering you a quote.